12011 Front Beach Road #103B, Panama City Beach, FL 32407 - Photo 1

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$450,000

For Sale
Active
Condo / Townhouse
2 Beds
2 Full Baths
1,076 Sq. Ft.

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Property Description

Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something; no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat.... or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.

Full Property Details

Full Property Details for 12011 Front Beach Rd #103B

General

Price: $450,000
Taxes: $5,465 (2024)
Status: Active
Type: Condo /Townhouse
Source: Emerald_Coast
MLS ID: 976787
Updated: 1/18/2026
Added to Site: 326 day(s) ago

Interior

Rooms/Areas: Balcony, Bedroom, Dining Room, Full Bathroom, Master Bedroom
Interior Features: Breakfast Bar, Floor Tile, Furnished - All, Kitchen Island, Lighting Recessed, Split Bedroom, Washer/Dryer Hookup, Window Treatment All, Woodwork Painted
Appliances: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer

Rooms

Bathrooms

Total Bathrooms: 2
Full Bathrooms: 2

Bedrooms

Total Bedrooms: 2

Other Rooms

Dining Room: Dining Room

Additional Information

Shared Amenities: BBQ Pit/Grill, Beach, Community Room, Elevators, Exercise Room, Pets Allowed, Pool, Short Term Rental - Allowed, TV Cable, Waterfront
Pool: Yes

Exterior

Exterior Features: Balcony
Patio/Balcony: Balcony

Parking

Garage: Yes
Parking: Garage, Garage Attached

Location

Area: 27 - Bay County
County: Bay
Subdivision: Sterling Reef
Driving Directions: Three miles east of hwy.79 on the corner of Alf Coleman and Front Beach Road

School Information

Elementary School: Breakfast Point
Middle School: Surfside
High School: Arnold

Heating & Cooling

Heating/Cooling: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric

Utilities

Utility Description: Electric, Phone, Public Sewer, Public Water, TV Cable

Structural Information

Construction: Concrete
Stories/Levels: 0
Stories in Building: 22
Square Feet: 1,076
Sq. Ft. Source: County PA Records
Year Built: 2005

Unit Information

Units in Building: 126

Lot Features

Property View: Gulf

Water Features

Water Front Type: Gulf

Financial Considerations

Assessment Amount: $977
Assmt Payment Freq: Monthly
Tax Amount: $5,465
Tax Year: 2024
Terms: Conventional

Disclosures and Reports

Legal Description: STERLING REEF UNIT 103 TYPE B ORB 2578 P 120 ARUBA 2BD/2BTH ORB 3576 P 749 1076 SQ.FT.=H&C . 474 SQ.FT.=BALC
Assessment: Yes
APN: 34809-610-003

Listed by Keller Williams Realty SRB

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Schools

Schools serving 12011 Front Beach Rd #103B

School District:Bay County School District

Name	Grades	Distance
Hutchison Beach Elementary School 12900 Middle Beach Rd, Panama City, FL 32407	K-5	0.9 mi
Surfside Middle School 300 Nautilus Street, Panama City Beach, FL 32413	6-8	2 mi
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407	9-12	1.5 mi

Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 12011 Front Beach Rd #103B Get Price Alerts and Save Property

Date

Details

Price

Change

Source

12/10/2025

Price Reduced

$450,000

-8.16%

MLS

7/03/2025

Price Reduced

$490,000

-1.01%

MLS

5/20/2025

Listed

$495,000

106.34%

MLS

12/06/2013

Sold

$239,900

—

Public Record

Get Price Alerts and Save Property

Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History

Tax History for 12011 Front Beach Rd #103B

Year

Property Taxes

Change

Tax Assessment

Change

2025

$4,609

-16%

$422,269

-9%

2024

$5,465

5%

$461,975

—

2023

$5,220

43%

$461,975

58%

2021

$3,648

-12%

$293,250

-22%

2022

$4,161

14%

$376,125

36%

2021

$3,648

22%

$276,250

13%

2019

$2,985

8%

$244,989

10%

2018

$2,752

19%

$222,717

10%

2017

$2,312

-2%

$202,470

-1%

2016

$2,369

-1%

$204,000

3%

2015

$2,385

11%

$198,220

10%

2014

$2,158

30%

$180,200

19%

2013

$1,659

—

$151,470

—

View All

Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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12011 Front Beach Rd, Panama City Beach, FL 32407 - Photo 1

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$445,000

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